COVID-19 Presents Special Challenges for Truckers, Commercial Drivers

More people staying home and driving less during the COVID-19 pandemic has led to a drop in the number of accidents, but new data suggests that emptier roads may actually be more dangerous to those who are driving on them.

With this in mind, companies that have drivers who are plying the roads now have special issues to contend with during this unprecedented time. And because of a rule suspension for long-haul truckers, there could be a rise in truck accidents due to fatigued drivers.

Preliminary data from the National Safety Council shows the fatality rates per miles driven increased by 14% nationally in March (from March 2019), when most of the country was under shelter-at-home orders.

Additionally, there has been an 87% increase in tickets to drivers going more than 100 mph amid the COVID-19 shutdown in California, as many drivers are apparently taking advantage of the open roads, according to the California Highway Patrol.

Those increases, though, coincided with an 18.6% drop in average miles driven in March compared to the same period last year.

New rules complicate matters

The Federal Motor Carrier Safety Administration (FMCSA) has issued an emergency declaration that suspended long-haul trucking hours of service regulations that limit the number of hours drivers are allowed to drive in a week. The regulations have been in place since the 1930s.

Observers worry that this could result in more crashes due to fatigue if drivers start spending more hours behind the wheel than the suspended regulations permitted.

The emergency declaration puts on hold the weekly 60/70 rule, which allows drivers to work no more than 60 hours on duty over seven consecutive days, or 70 hours over eight days.

It also suspends another part of regulations that bar continued operation without 30-minute breaks. The goal of this regulation was to avoid the food and essential goods shortages (think about the toilet paper shortage in March and April).

At the same time, rules requiring drivers to be off duty for 10 hours before driving again are still in place.

The challenge for employers will be to keep their drivers as safe as possible, and that should include avoiding driver fatigue at all costs as the resulting accidents are often deadly and costly both in terms of human lives and property damage.

Fatigue plays a part in 13% of truck crashes, according to the FMCSA, while other fatigue-related factors such as “inattention” and “driver pressured to operate even though fatigued” come into play 8.5% and 3.2% of the time, respectively.

There could be an increase in these types of accidents during the COVID-19 pandemic. However, what’s not clear is if the reduced amount of traffic will offset the risks of truck driver fatigue.

Another factor that could contribute to driver fatigue is the closure of rest stops and restaurants to enforce social distancing rules. And despite truckers not being required to take 30-minute breaks, they will still need to stop to use a restroom, eat, refuel and stretch their legs.

So many regular stopping places being closed could contribute to drivers not getting the rest they would normally get during these breaks. At the same time, if they reroute their journeys to pass places that are open for them to rest and eat, they may be driving in unfamiliar territory. And “unfamiliarity with roadway” is a contributing factor in 22% of truck crashes.

Finally, truckers may also be fatigued if they are especially busy at this time and working more hours than usual.

What you can do

You should hold safety meetings with your drivers, with the following top of mind:

  • Require them to limit the number of hours they drive in a day and week, and to take rest breaks for at least 30 minutes during a shift to eat and rest.
  • Tell them to resist the urge to speed on roads with less congestion and require them to observe the speed limit.
  • Tell them to be aware of drivers who are taking advantage of the roads and speeding excessively.
  • Require them to not use smartphones or other devices that can lead to distracted driving.
  • When in urban and suburban settings, they should be aware that there may be increased pedestrian and bicycle traffic as people have been spending more time walking and biking during this time.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.                  

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

Insurers Don’t Have to Pay for Testing Returning Workers: HHS

New guidance from the Trump administration absolves insurers of the responsibility of paying for COVID-19 tests that are required for workers who are returning to the job.

The guidance, released by the departments of Health and Human Services, Labor and Treasury, means that employers will likely either have to foot the bill themselves as they screen workers during the pandemic or pass those costs on to their workers. But in states that require employers to test workers, passing testing costs on to staff is usually not an option.

There had been some confusion about who would pay for the tests after the Families First Coronavirus Response Act required insurers to cover COVID-19 tests without patient cost-sharing. The new guidance has added a new caveat to that rule: that insurers cannot require health plan enrollees to pay for the test if it is deemed “medically appropriate” by a health care provider.

“Testing conducted to screen for general workplace health and safety (such as employee “return to work” programs), for public health surveillance for SARS-CoV-2, or for any other purpose not primarily intended for individualized diagnosis or treatment of COVID-19 or another health condition, is beyond the scope of section 6001 of the [Families First Coronavirus Response Act],” the guidance states.

Resistance from advocacy groups

The guidance was met with resistance from employer and consumer groups, with the advocacy group Families USA arguing that the nation’s workers should not be saddled with additional costs during these economically uncertain times.

Employers can require employees to be tested before returning to work, but the Pacific Business Group on Health said it would be highly unusual for a large employer to require testing for employees without paying for the tests in full.

Democrats have asked the administration to withdraw the guidance, but the White House has said it won’t and that it would like to see Congress come up with a solution in its next economic stimulus package for the coronavirus pandemic.

The HHS has said that states should use the $10.25 billion that lawmakers appropriated for testing to help pay for tests of returning workers.

Insurance companies may opt to pay for such tests anyway, as a precautionary measure. America’s Health Insurance Plans, however, is calling on more government support to cover the costs, which it says could be between $6 billion and $25 billion annually.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.     

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

Certificate of Insurance NYC

More Older Workers’ Comp Claims Being Settled as COVID-19 Brings Uncertainty

One bit of good news coming from the COVID-19 pandemic is that the economic downturn has boosted efforts to close older workers’ comp claims that have been lingering as both sides cannot agree on a settlement.

Due to the financial pain brought on by the sudden downturn, injured workers who have been reluctant to settle their claims have been coming forward to close them, according to workers’ comp attorneys.

The injured workers are often settling their claims for less than they were demanding before. One lawyer told Business Insurance magazine that he was seeing claimants come in with offers that were on average 10% lower than previously.

This is an important development for employers who have legacy workers’ compensation claims that have stayed open as the injured worker remains on permanent disability and may also still be receiving ongoing or sporadic medical treatment. Employers want to close these claims because the longer they stay open, the more they end up costing the insurer, and hence it drives up the employer’s workers’ comp costs.

One of the most unpredictable parts of older claims is unexpected adverse claims cost development, particularly if the injured worker develops new medical complications that are an outgrowth of or related to the original injury claim.

When that happens, the workers’ comp carrier will also have to pick up the tab for that treatment, further driving up the cost of the claim and affecting the employer’s workers’ comp experience.

Work with your insurer

In a white paper, global insurance giant Marsh recommends that employers try to work with their insurers to proactively settle these older claims to save money in the near and long term, and to reduce the prospects of the claim deteriorating further given the “uncertainty about the post-COVID-19 economic environment.”

Marsh said that businesses should take a strategic approach to closing these old claims by working with their insurer’s claims adjuster and using analytics and claims inventory management tools to identify complex claims and focus on settling them first.

Another smart move is to stay in close contact with injured employees to help them navigate the workers’ comp system. And if they are at home on the mend, the employer should make a point to regularly reach out to them to see how they are healing up and if they have questions about their claim and the process for returning work.

This is one of the best ways to reduce the chances of an injured worker becoming disgruntled and hiring a lawyer to litigate their claim, which will usually drive up the cost of the claim in addition to the time they are away on workers’ comp disability.

Insurers are also feeling the effects of the COVID-19-related economic downturn, which gives them an incentive to try to settle old claims so they don’t have that uncertainty of how much they will eventually end up paying for the claim.

The downturn has also forced some insurers to consider laying off claims representatives as they deal with the prospect of lower premium volumes.

Injured workers may also have an incentive to get their claims closed by receiving a lump-sum payment now, which they may need due to the poor economic environment.Certificate of Insurance NYC

The takeaway

If you have any legacy workers’ comp claims that are still being paid, you may want to consider reaching out to your insurer to see if there is a possibility of getting the injured worker to renegotiate a settlement so you can get the claim closed. The longer it stays open and because of the uncertainty brought on by the pandemic, it would behoove any employer to take this step.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.       

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

Documenting Small Safety Incidents Key to Preventing Major Ones

Studies show that for every major workplace injury or fatality, there are nearly 10 minor injuries – and more than 30 accidents that lead to property damage.

Capturing data even on minor incidents that may seem trivial in isolation can be critical in informing efforts to prevent much greater dangers in the future. A big part of that effort involves ensuring businesses maintain a complete set of data.

Managers at all levels should focus on solid and thorough documentation. Here is where management’s main effort should be concentrated:

Don’t ignore minor incidents. Document all of them. Even if you have avoided injuries and severe property damage so far, keeping careful records may provide critical risk management insights – and enable managers to take action to prevent accidents before they occur.

Identify patterns. Do minor incidents seem to happen in the same area? Involve the same or similar machinery? Are they in the same department or under the same manager? Careful record-keeping is a valuable tool for identifying patterns.

Discourage presenteeism. Workers who come to work sick may be taking medications that increase the risk of incidents. Workers are not robots: Sick or distracted workers may make serious or deadly mistakes. To prevent this, have a sustainable sick day policy and encourage workers to take time off when needed – especially in dangerous occupations.

Encourage reporting. Studies have shown that the vast majority of minor incidents are not properly reported or recorded.

One study found that 85% of workers told researchers they had experienced work-related symptoms, 50% had experienced persistent work-related medical symptoms and 30% reported they had lost time from an incident or from a repetitive motion injury – yet only 5% of workers told researchers they had formally reported any of these incidents.

When asked why they didn’t report safety incidents, workers cited a number of reasons:

  • Fear of reprisal
  • Poor management response to prior reports
  • Fear of losing their job or being transferred to a less desirable position
  • Belief that pain or another medical symptom was a normal consequence of work activity or ageing.

Maintain OSHA-required injury logs. By federal law, most employers must maintain the following safety documents:

  • OSHA Form 300 –  Log of Work-Related Injuries and Illnesses
  • OSHA Form 300A – Summary of Work-Related Injuries and Illnesses
  • OSHA Form 301 – Injury and Illness Incident Report

Employers with 10 or fewer employees at all times during the preceding calendar year are exempt from the federal requirement, though many states may impose more stringent requirements.

Record near misses. Often, near misses – in which property damage, injury or fatality were narrowly avoided – can provide data that’s just as valuable as for incidents resulting in actual damages or injuries. This information can prove vital to informing prevention efforts.

Perhaps most importantly, carefully documenting all safety incidents and near misses, however minor, may help establish a culture of safety throughout the organization.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.  

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.                  

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

How to Keep Your Safety Meetings Engaging and Fun

Are your safety meetings a drag for your workers? Are they shifting in their seats as they sit through yet another presentation on slip and fall hazards?

Safety meetings are a key part of a safety awareness program and are one of the best methods to motivate workers to take safety out of the classroom and into the field. But they don’t have to be boring. You need to keep your employees’ attention and make sure they retain what you teach them, because their lives could depend on it.

But, it’s not easy to keep the meetings motivating and interesting to your workers. Here are some tips to keep your workers engaged while also making them more aware of safety in the workplace.

  1. Have people with management experience organize your safety meetings. Too often, people leading the meetings are certified in safety, but have no experience in management. In other words, safety engineers may get too wonkish for your workers, who can then lose interest. To be most effective, have a manager conduct the meeting with the safety expert, who can answer the technical questions.
  2. Build an agenda and circulate it before the meeting. Work with a small group. Focus on the specific. Define what success will mean. Create an expectation of value and participation. Anticipation is a powerful emotion.
  3. Don’t look backward. Don’t make the meeting all about reliving one bad accident that happened in the workplace. Instead, review the accident or close call and what led up to it in the first place, so you can discuss with participants ways to make sure the incident is not repeated in the future.
  4. Vary your techniques. Individuals learn differently. If you must use Power Point slides, use them sparingly with one idea or image per slide. Videos can be helpful in combination with discussions and games. Involving people helps them retain the message.
  5. Tell stories and use real life examples. Have a story or an example to illustrate every point. The best safety meeting is just hanging out and talking about a subject and telling stories. Talking about the individuals involved in the story helps personalize it.
  6. Use games and competitions, but be sure they have a purpose to either educate or inspire. Think “Safety Bingo” or “At-Risk Jeopardy.” You can hold competitions between teams of workers to see who knows the most about a certain safety issue that is typical in the workplace. Competition really brings out the best in people and helps them learn.
  7. Have fun. Fun during safety meetings can help people feel like they are part of a team and create a sense of belonging. It also helps create a shared company culture. Try something unique, like a Shakespeare play that turns on safety.
  8. Follow up. Reinforce the key points of the meeting by getting back to the participants. Send them articles, bullet lists, and links with resources, as appropriate, a few weeks after giving a safety talk.

The most successful safety meetings are well-planned, with management involvement ― and documented.

Fresh ideas

Selecting a topic for a safety meeting is not always easy. Sometimes you may be wondering what to feature, especially when you have covered some topics many times. If you are fresh out of ideas, consider your topic by:

  1. Reviewing new laws and industry standards,
  2. Reviewing new company policies and procedures,
  3. Evaluating existing safety hazards in the workplace,
  4. Considering future industry events that may impact specific work procedures,
  5. Asking your employees for issues they would like to see discussed at the meeting.

The best time to schedule a safety meeting is the start of the work shift. Before you start a safety meeting (on time), have the participants sign in.

Sample meeting agenda

  • State the primary purpose of the meeting.
  • Review old business from previous safety meetings.
  • Ask for suggestions for future meetings.
  • Present material for the current safety meeting, using visual aids, such as video, overhead transparencies, slides or printed handouts to stimulate the employees’ interest.
  • Review or give a quiz to participants.
  • Present an agenda for the next meeting.

The takeaway

You should do all you can to ensure your workers’ safety, and a key part of that is to train them properly in the safety issues that confront them at work.

Employees have often sat through several safety meetings, so the key to driving home the point effectively is to make them engaging, stimulating ― and above all, memorable.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.  

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.                  

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

How to Open Shop and Bring Staff Back to Work

How can you take that first step back to a semblance of normalcy?

Here are some recommendations from the Los Angeles Department of Public Health and other sources that can apply to any municipality anywhere in the country. The advice mainly applies to establishments that will have customers, but most of the recommendations are relevant across a wide swath of sectors.

Measures to protect employees

  • If someone can continue working from home, let them do so.
  • Tell employees not to come to work if sick.
  • If any employee tests positive for, or has symptoms consistent with COVID-19, you should:

– Ask that they isolate themselves at home, and

– Ask all employees who have come in contact with that colleague to immediately self-quarantine at home.

  • Check employees for symptoms or a fever before they enter the workspace. This must include a check-in concerning cough, shortness of breath or fever and any other symptoms the employee may be experiencing.
    These checks can be done remotely or in person upon the employee’s arrival. A temperature check should be done at the worksite, if feasible.
  • Offer at no cost to your employees cloth face coverings if they are going to have contact with the public during their shift. If they are disposable, masks should be thrown away at the end of every shift. If they are reusable, they should be washed after every shift in hot water.
  • Instruct employees not to touch the exterior of their mask when removing and handling it.
  • Disinfect break rooms, restrooms and other common areas frequently.
  • Place hand sanitizer in strategic locations.
  • Allow employees to take frequent breaks to wash their hands.

Signage

Place signs at each public entrance of your facility to inform all employees and customers that they should:

  • Avoid entering the facility if they have a cough or fever.
  • Maintain a minimum 6-foot distance from one another.
  • Wear a mask for their own protection, as well as for the safety of others.

Controlling crowds, lines

Limit the number of customers in the store at any one time, to allow customers and employees to easily maintain at least 6-foot distance from one another at all practicable times.

Post an employee at the door to ensure the maximum number of customers in the facility is not exceeded. If people are queueing up, mark the ground outside the store to ensure proper social distancing.

If you have a restaurant, encourage people not to crowd and wait outside. Set up a system to alert people by cellphone when they are next.

Spacing between employees

  • Require employees to work at least 6 feet apart. You may need to reorganize your office or workstations to ensure proper spacing.
  • In jobs where workers are on their feet, you can mark spots on the floor where they should stand to ensure social distancing between your staff.
  • Social distancing in break rooms and supply areas (such as device charging stations and packaging supplies) may be addressed temporarily by spacing out tables, chairs and microwaves.
  • Another option is to use partitions made of plexiglass so workers can communicate and make eye contact.
  • In addition, you may want to abandon the popular open workspace concept and revert to using cubicles, which gained popularity in the 1980s and 1990s as a way to increase productivity by putting barriers between office workers. Having that divider will make your staff feel safer and can offer some protection.
  • Reconfigure furniture placement in offices, public seating areas and other non-warehouse or production areas to support physical distancing.

Cleaning and circulation

A recent research study that analyzed superspreading events showed that closed environments with minimal ventilation strongly contributed to a characteristically high number of secondary infections.

If you have fans or air conditioning units blowing, take steps to minimize air from fans blowing from one worker directly at another. Also consider opening windows to improve circulation.

Also important are:

  • Disinfecting frequently touched surfaces in workspaces, as well as doorknobs, buttons and controls. More frequent cleaning and disinfection may be required based on level of use.
  • Providing workers and customers with tissues and trash receptacles.
  • Employees who are cleaning and disinfecting should wear disposable gloves.
  • Cleaning surfaces using soap and water, then using disinfectant.
  • Sanitizing any other personal protective equipment such as hardhats after every shift.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.  

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.                  

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

Tips for Safeguarding Your Baby Boomer Construction Workers

The average age of a construction worker is now in the 40s. Baby boomers – people born between 1946 and 1964 – represent 40% of the construction industry workforce, according to the Center for Construction Research and Training.

The nature of construction work presents many hazards for workers, many of which may not appear until late into a person’s career. Research suggests that long-term construction work impacts an individual’s musculoskeletal system.

Also, any time an older worker suffers a workplace injury, they are more likely to be out of commission – and the road to recovery is longer.

Because of the physical demands of the work, construction workers have to be healthier than the general population, but the same physical demands cause workers with injuries or illness to leave the industry.

Some 10% of construction workers do not return to work after an injury, and those with a musculoskeletal disorder (MSD), lung disease or other serious injury are more likely to retire on disability than workers with the same conditions in less physically demanding types of work.

Compared to office workers, construction workers are also less likely to have health insurance and they have an increased likelihood of developing a chronic disease as they age. Their odds also increase for developing lung disease, stroke, back problems and arthritis.

Risk factors for older workers

Lower-back injuries are a common injury experienced among construction workers. Also, as people age, they naturally lose strength and muscular endurance, which could have an effect on their ability to carry heavy loads. They may also lack the flexibility of younger workers and experience trouble working in awkward positions, making them more prone to a workplace injury.

Physical workload is an important determinant of work ability among construction workers, and in turn work ability is highly predictive of disability among such people. A construction worker between the ages of 45 and 54 with a low work ability index and severe low-back pain has a 40-fold increased probability of disability retirement compared to a construction worker without those risk factors.

And if they are injured, it can take someone older than 40 twice as long to recover from a typical injury.

A study of U.S. construction roofers found that workers over 55 had lower physical functioning, and were more likely to have both a chronic medical condition and an MSD.

The study found that older age, reduced physical function, and lack of job accommodation among these roofers were each predictive of early retirement.

What you can do
The study also found that construction roofers who had received job accommodation for an MSD or a medical condition were four times less likely to retire than workers with similar medical status but without accommodation.

Some form of job accommodation was offered to more than 30% of the workers in the study, and many of the accommodations were relatively simple, such as allowing more time to accomplish a task or changing the work schedule. But, few employers provided new tools or equipment.

Using the proper tools and work practices is important. Employers should also recognize the importance of job rotation among workers to help prevent repetitive-motion injuries.

Shifting focus from hazardous to safe work practices will help reduce injuries and keep older and more experienced employees safe and healthy on the job.

Common excuses
Some of the common fallback excuses among baby boomer workers include:

  • “I don’t need help!” – Some older workers won’t ask for help when lifting a heavy load that they think they could have easily hoisted when they were younger. This risks injury.
  • “Deal with the pain!” – This old-school belief is that pain is part of the job, and that whining about it is for sissies. But if something hurts, the worker should stop and tell their supervisor.
  • “I already know how!” – Many veterans are resistant to change in work processes or in using tools.
  • “Get it done fast!” – A mentality of getting the job done quickly without following proper safety procedures, which can lead to injuries.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.             

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.                  

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

Protecting Your Firm from Employee Benefit Lawsuits

Employment practices and employee benefit-related lawsuits are on the rise – and employers have to be eternally vigilant when it comes to meeting their compliance obligations as plan sponsors.

Take the case of Visteon, a global automotive industry supplier, which outsourced its payroll and enrollment/disenrollment functions to outside plan administrators.

But because of internal mistakes at the firms that Visteon outsourced these noncore HR functions to, some of its former employees who should have received COBRA eligibility notices after leaving the firm never received them. At first it was just a handful, but ultimately 741 co-workers signed on to a class-action lawsuit

Visteon argued in court that it was not its own mistakes that had caused the error, and that it had made a good-faith effort to hire outside experts to take over this function for them. Payroll and enrollment, after all, are not core competencies for an auto parts supplier, the company said, and it had been relying on the expertise of these other payroll companies to properly execute these functions and provide these notices.

The court didn’t buy Visteon’s argument. Rather, it held the company responsible in 2013 for poor internal tracking systems, negligence in overseeing its third party administrators, and failure to accept responsibility for its COBRA notification efforts.

That exposed them to the statutory penalty of $110 per worker per day for failure to provide notification.

In the end, for doing what tens of thousands of employers are doing nationwide – relying on third party administrators to handle payroll functions that are regulated under COBRA – Visteon was slapped with $1.8 million in penalties.

Employers are frequent lawsuit targets

As much as companies rely on their employees to generate profits, simply having them around and administering their benefit plans potentially exposes employers to significant possible liability.

According to a survey from insurer CNA, employment-related disputes are the fastest-growing category of civil lawsuits in America.

Employers face risk from the potential of lawsuits employees may bring for alleged failure to fulfill their fiduciary duties as sponsors of retirement plans under ERISA, for example, or for accidental or unauthorized leaks of personally identifiable information, which carries significant penalties under HIPAA.

Sponsors of defined contribution pension plans, such as 401(k)s, are particularly frequent targets of lawsuits for various fiduciary failures, errors or omissions.

Protecting your firm from legal action

So how can employers protect themselves against the potential costs of employee benefit-related litigation? You should:

  • Carefully monitor your plan third party administrators. Insist that they document their own compliance practices to you. Don’t take their word for it.
  • Reconcile your own lists of recently departed employees with your payroll company’s COBRA notifications.
  • Understand that your commercial general liability insurance policy usually will not cover you against liability arising from improper administration of employee benefit plans, ERISA, COBRA, USERRA, wage and hour laws, Title VII related lawsuits, and the like.
  • Consider employment practices liability insurance. This coverage will often protect against lawsuits like this and cover legal expenses, and even judgments.
  • Conduct regular reviews with advisers of investments in pension and 401(k) plans. Investments should be reviewed at least annually – and quarterly is not unusual.
  • Ensure that fees paid to 401(k) and other plan administrators are not excessive. You don’t have to go with the cheapest provider (that can be trouble, too). But if you do choose a higher-fee vendor, document why you made that decision so that you can show your reasoning in court and defend your decision-making as sound and prudent.
  • Invest in data security and HR compliance expertise.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.  

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.                  

 

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

Feel You’ve Been Overcharged for Years By Your Workers Compensation Carrier?

Workers’ compensation premiums can be a large portion of an overall insurance program, as well as a large percentage of operating costs. Most businesses aren’t aware that it is quite possible they are being overcharged for their workers’ comp premiums, without fault of their broker or even their insurance carrier.

The fact is, workers’ compensation insurance costs are a result of many different factors, which include but are not limited to: labor class codes, experience modifications, claims history, WC rating worksheets, loss cost multipliers, and several other factors.

Is it possible you could be entitled to a refund for inadvertently overcharged premiums? The answer undoubtedly is YES.

There are over six hundred business classifications that often go unchallenged. Is there a different (lower rate) class code that could be used for your business?

* Quite often, experience rating worksheets are calculated incorrectly, which could result in a higher experience modification factor.

* Claims could be over-reserved, which ultimately could result in a higher experience modification factor.

* Discounts and/or credits could be incorrectly applied.

* Subcontractors you hire might be inadvertently included in your payroll (even if you produced certificates of insurance to the auditor).

* Payroll audits are often rushed resulting in errors.

                                   

THE SOLUTION: The BGES Group Workers’ Compensation Recovery Program!

BGES has brought a solution to its clients by partnering with Workers Comp Recovery experts and leaders in the industry of premium recovery for workers’ compensation. Some highlights include:

* All work is performed on a contingency basis. No recovery = no fee.

* We review your records going back seven (7) years which can mean a lot of money for YOU!

* Typical minimum premium to be eligible for the program is $35,000.

* Refunds are sent directly to the insured.

* Specialists will analyze errors on current and expired policies for:

* Errors in calculating experience mod factors, including reserves and loss ratios

* Errors on payroll worksheets

* Classification errors

* Errors on final premium audit bills

* Errors in reporting of non-compensable and fraudulent claims

* Review of retro plans and adjustments

The process is very simple and requires little to no involvement on the part of you, and as there is no fee unless there is a recovery or premium. The process is a win-win for our YOU!

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to. (We have special programs {rates can be up to 40% less} for Auto Service, Contractors, Limousine Services, Local Truckers and Manufacturers.)

Workers’ Compensation Premium Recovery – If you pay $35,000 or more a year in premium, let us review your account and look for overcharges. If we find any we will get you refunds from your past companies.  There’s NO upfront fee.  We work on a contingency basis. You sign three documents, we do the rest!  We have found thousands, tens of thousands of dollars for clients.  Be next!

Contractors Insurance – We are one of New York’s leading experts. Unhappy with your pricing, coverage, exclusions, restrictions, broker, we can help.  We have the TOP “main Street” company programs.  We have 50+ Surplus Line companies.  We do in excess of $170 million so we have pricing and coverage leverage.  We reduced a Queen’s contractor’s liability premium from $385,000 to $197,000.

The Business Opportunity of a Lifetime – We are founders in what we believe to be a trillion dollar social media company. This company will dwarf in services what the other media giants offer.  Their cost for services will be a fraction of what the other companies charge.  You can use their internet tools to increase sales (has built in artificial intelligence to improve traffic) AND sign up as a founder and position yourself to earn a SUBSTANTIAL monthly passive residual income for life of company!  To learn more call Gary at 914-806-5853.                                                                                                                                 Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers. Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft– Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group

Nation’s First Workplace Safety Pandemic Standard Being Implemented

Nation’s First Workplace Safety Pandemic Standard Being Implemented

Virginia is on the cusp of creating the nation’s first pandemic workplace safety requirements for employers, a standard that many in the occupational safety and health community expect could be a model for other state-operated Occupational Safety and Health Administrations to follow.

With no signs that Fed-OSHA is looking to develop similar regulations, some state OSHAs have been discussing creating safety rules specifically covering employer responsibilities for protecting their workers during a pandemic, such as the nation is in now with COVID-19.

Virginia is pressing forward following a 9-3 vote by the state’s health and safety board to create pandemic workplace safety rules that they will work on immediately.

The governor’s office said that the state had to forge ahead developing the new standard because the lack of enforcement of COVID-19 workplace safety complaints by Fed-OSHA.

The draft standard requires employers to develop policies for workers dealing with COVID-19-like symptoms, while barring staff who are suspected of having contracted the virus from coming to work.

Another part of the rules would require employers to notify their employees that they may have been exposed to an infected co-worker within 24 hours of learning that a worker has tested positive for COVID-19.

These regulations and standards must address personal protective equipment, respiratory protective equipment, sanitation, access to employee exposure and medical records, and hazard communication.

The draft standard can also serve as a guide for employers to protect their own workers regardless of where they are located. It would require that employers:

Enforce social distancing – The employer shall require that 6 feet of space is maintained between workers, and between workers and customers, by using one or more of the following measures:

  • Implementing flexible worksites (e.g., teleworking);
  • Implementing flexible work hours (e.g., staggered shifts);
  • Increasing physical space between workers at the worksite to 6 feet;
  • Increasing physical space between workers and customers (e.g., partitions, and limits to the number of customers at one time);
  • Implementing flexible meeting and travel options (e.g., postponing non-essential meetings or events);
  • Delivering services remotely (e.g., by phone, video or web);
  • Delivering products through curbside pick-up or delivery; and/or
  • Reconfiguring spaces where workers congregate, including lunch and break rooms, locker rooms and time clocks.

Provide face masks and shields – All workers shall be provided (free of charge) cotton face masks (double-layer cotton) by their employer. Face shields shall also be made available to workers.

Provide hand sanitizers, hand washing facilities, gloves – Employers must provide hand sanitizers that are readily available in multiple locations in the workplace. Workers must have the ability to wash their hands with soap and water regularly.

Gloves shall be provided by employers to workers who request them.

Conduct regular disinfection – Employers must clean and disinfect regularly all frequently touched surfaces in the workplace, such as workstations, touchscreens, telephones, handrails and doorknobs.

Increase ventilation rates – Employers must increase the percentage of outdoor air that circulates in the system.

Notify workers, maintain confidentiality – If an employee is confirmed to have COVID-19 infection, the employer must inform fellow workers of their possible exposure to COVID-19 in the workplace while keeping the infected individual’s identity confidential, as required by the Americans with Disabilities Act.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.   

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New CustomersSick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.    

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2020 – BGES Group